Joseph Silla is a financial advisor with Guardian Life in Costa Mesa, CA, holding Series 63 and Series 65 credentials and 16 years of industry experience. His career includes roles at Park Avenue Securities and MassMutual. He also provides clients with insurance products such as long-term care, income annuities, disability, and life insurance outside of Guardian. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, offers brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies and provides access to proprietary wrap programs, third-party advisory solutions, and a range of financial planning and consulting services.

Adam Wass is a financial advisor with OSAIC Institutions, Inc. He holds Series 63 and Series 65 licenses and has 34 years of industry experience. His prior work includes roles at Infinex Investments, Inc., LPL Financial, and Financial Partners Services. Wass is involved with AmeriEstate, referring clients for prepaid legal and trust services. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory and financial planning services, combining a hybrid adviser/broker-dealer structure with access to alternative investments, lending solutions, and third-party manager arrangements.

Robert Davis is a financial advisor with EP Wealth Advisors holding a Series 65 designation and seven years of industry experience. He has worked at several firms including Fidelity Brokerage Services and The Insight Group Insurance Agency. Prior to joining EP Wealth Advisors, he was associated with Insight Group Insurance Agency for insurance commission trails but is no longer active in that business. EP Wealth Advisors is a registered investment adviser serving individual, corporate, and retirement plan clients through wealth management, discretionary portfolio management, and financial planning services. The firm uses customized model portfolios and various analytical approaches, including fundamental, technical, and cyclical analysis, and offers ancillary services such as tax preparation and estate document preparation for qualifying clients.

Johnny Tep is a CFP® with one year of industry experience, currently serving as a financial advisor at Mariner. His prior work includes roles at Walker Wealth, Griffin Capital Securities, and GCI Solar. Mariner serves a diverse client base, including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement consulting, and integrated tax and family office services. The firm employs discretionary, customized portfolios managed by an Investment Committee and supported by in-house research and third-party managers.

Richard Derafelo Jr. is a CFP® professional with 23 years of experience in the financial services industry. He is currently with EP Wealth Advisors and previously worked at Lehman & Derafelo Financial Resources LLC and Lehman Financial Resources, Inc. He serves on the Advisory Committee to Brookwood Gas & Convenience LP, a limited partnership involving certain advisory clients. EP Wealth Advisors provides wealth management and discretionary portfolio management services to individuals, corporate clients, and retirement plans. The firm offers customized model portfolios using a variety of investment analyses and also provides ancillary services such as tax preparation and estate-document services for qualifying clients.

Debra Popovich is a financial advisor with Kestra Advisory in Fullerton, CA, holding 11 years of industry experience. She previously worked at LPL Financial for four years and has been involved with RD Tax Services since 1993. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients. The firm offers services including fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving large institutional investors including sovereign wealth funds.

James Reyes is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. His career includes roles at Warner Pacific and multiple LLCs focused on estate planning and client services. Outside of advising, he provides estate planning referrals and health insurance services through affiliated firms. Transamerica Financial Advisors serves a broad client base including individuals, retirement plans, trusts, and businesses, delivering services through a large advisor network and multiple program platforms that utilize model portfolios and third-party managers.

Stephanie Richman is a CFP® professional with 34 years of industry experience, currently serving as an advisor at EP Wealth Advisors in Torrance, CA. Her prior experience includes roles at Fidelity Private Wealth Management and running her own firm, Richman Financial Planning, LLC. Outside of advising, she is involved in managing rental properties. EP Wealth Advisors is a registered investment adviser serving individuals, corporate and business clients, and retirement plans. The firm offers wealth management, financial planning, and ancillary services, employing customized model portfolios and a mix of fundamental, technical, and cyclical analysis, along with third-party manager recommendations and ERISA plan services.

Jason Brown is a CFP® professional with 16 years of experience in the financial services industry. He is currently with EP Wealth Advisors and has previously worked at firms including NEXT Financial Group, Pinnacle Peak Private Client Group, BCG Securities, Robert W Baird & Co., and The Vanguard Group. EP Wealth Advisors serves individuals, corporate and business clients, and retirement plans, offering wealth management, discretionary portfolio management, and financial planning services. The firm uses a combination of fundamental, technical, and cyclical analysis to create customized portfolios and provides additional services such as tax preparation and estate-document preparation for qualified clients.

James Carr Jr. is a financial advisor at EP Wealth Advisors with Series 63 and Series 65 credentials and over 26 years of industry experience. He previously worked at CIBC World Markets and Banc America Robertson Stephens. He serves on multiple boards, including Wesleyan College, The Task Force for Global Health, the Rotary Club of Atlanta, and Emory University. EP Wealth Advisors provides wealth management, discretionary portfolio management, and financial planning services to individuals, corporate and business clients, and retirement plans. The firm employs a combination of fundamental, technical, and cyclical analysis to construct customized model portfolios and offers additional services such as tax preparation and estate-document preparation for qualifying clients.

Sean Murphy is a CFP® with three years of industry experience, currently serving as a financial advisor at GWN Securities Inc. He has held concurrent roles at Envision Financial Group, Inc. since 2022 and previously worked with The Salvation Army. Murphy is also the Vice President of The Pension Geeks, a retirement and pension planning firm focused on serving K-12 school employees. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients, including high-net-worth investors. The firm offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios, with a range of traditional and legacy investment strategies.

Brian Mulvey is a financial advisor at EP Wealth Advisors with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Minot Wealth Management LLC and UBS Financial Services Inc. since 2008. EP Wealth Advisors serves individual, corporate, and retirement plan clients, offering wealth management, discretionary portfolio management, and financial planning services. The firm uses customized model portfolios and a combination of fundamental, technical, and cyclical analysis to manage investments, and provides ancillary services such as tax preparation and estate-document preparation for qualified clients.

Luke Cavanagh is a financial advisor at EP Wealth Advisors with a Series 65 designation and two years of industry experience. His prior work includes roles at AdaptHealth Corp and IKEA Purchasing Services (US) Inc. EP Wealth Advisors serves individuals, corporate clients, and retirement plans by offering wealth management, discretionary portfolio management, and financial planning services. The firm creates customized model portfolios using a combination of fundamental, technical, and cyclical analysis, and provides access to ancillary services such as tax preparation and estate-document preparation for qualifying clients.

James Reinke is a CFP® and holds a Series 66 designation with 28 years of industry experience. He has worked at EP Wealth Advisors since 2021, following seven years at ICMA-RC Services, LLC and sixteen years with Ameriprise. EP Wealth Advisors is a registered investment adviser serving individuals, corporate and business clients, and retirement plans. The firm provides wealth management, discretionary portfolio management, financial planning, and ancillary services such as tax preparation and estate-document preparation for qualifying clients, utilizing customized model portfolios and a mix of fundamental, technical, and cyclical analysis.

Jonathan Zermeno is a financial advisor at First Command Advisory Services with three years of industry experience. He holds the Series 66 designation and has prior work history including eight years at Sun West Mortgage Company and nine years with the California Army National Guard. First Command Advisory Services, Inc. is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a longstanding focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs, delivering investment management through a centralized team that selects and monitors model portfolios and third-party managers from approved lists.

Chad Burton is a CFP® professional with 25 years of industry experience. He is currently with EP Wealth Advisors and was previously with NewFocus Financial Group, LLC for 16 years. Burton holds Series 63 and Series 65 licenses. EP Wealth Advisors is a registered investment adviser serving individual, corporate, and retirement plan clients. The firm offers wealth management, discretionary portfolio management, financial planning, and ancillary services such as tax preparation and estate-document preparation for qualifying clients, using a customized investment approach that includes fundamental, technical, and cyclical analysis.

Bryan Turnbow is a financial advisor with Focus Partners Wealth, LLC, holding a Series 66 designation and 26 years of industry experience. He previously worked at Churchill Management Group for 20 years, Fisher Investments for one year, and Prudential Equity Group, LLC for three years. Focus Partners Wealth serves individuals, high-net-worth families, family offices, and corporate and institutional clients with a range of wealth management and advisory services. The firm’s investment approach emphasizes long-term, tax- and fee-sensitive portfolio construction using a blend of active and passive strategies, third-party managers, and private funds within an enhanced open architecture framework.

Jordan Hubbs is a financial advisor at EP Wealth Advisors in Torrance, CA, holding a Series 65 credential with three years of industry experience. His prior roles include positions at Prosperitas Financial, Team Edge, Inc., and J2 Global, Inc. EP Wealth Advisors serves individual, corporate, and retirement plan clients, offering wealth management, financial planning, and ancillary services such as tax preparation and estate-document assistance. The firm constructs customized portfolios using a mix of fundamental, technical, and cyclical analysis and provides ongoing monitoring, including third-party manager recommendations and ERISA plan services.

Esteban Camacho is a financial advisor at Guardian Life with a Series 66 designation and one year of industry experience. His prior work includes roles at Park Avenue Securities, US Hybrid, and teaching positions at Cal State Northridge, Cerritos College, and Mayfair High School. He also engages in insurance business outside of Guardian Life. Guardian Life’s subsidiary, Park Avenue Securities LLC, provides brokerage and investment advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm offers advisor-led discretionary management alongside model-based strategies and digital solutions, integrating a range of proprietary and third-party platforms.

Paul Zambriski is a financial advisor with \u0026Partners, holding a Series 66 designation and bringing 26 years of industry experience. His prior roles include positions at Wells Fargo Advisors and Bank of America, N.A., where he spent eight years at each firm. Outside of his advisory work, Zambriski has ownership in ZP Group LLC and serves as a trustee for multiple wealth advisory and property trusts. \u0026Partners serves a diverse client base, including high-net-worth individuals and institutional investors, offering investment management, financial and tax planning, and retirement-plan consulting. The firm employs a combination of fundamental, technical, and quantitative analysis, utilizing both proprietary and third-party strategies to manage accounts through discretionary and non-discretionary approaches.